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Navigating Roofing Contractor’s Insurance Coverage
As a roofing contractor, selecting the right roofing contractor’s insurance coverage that balances cost and protection can be challenging. Consulting with a broker is always a smart move when seeking appropriate coverage. However, implementing best practices not only helps in reducing insurance costs but also plays a crucial role in safeguarding your business’s reputation.
One of the most common issues roofing contractors face is water damage to a client’s building. This damage can occur either during the project or even several months after its completion. Both scenarios have the potential to lead to liability claims against your company.
Weather and Site Protection
To prevent claims related to weather and site conditions, consider the following measures:
- Implement Weather Monitoring Practices: Sudden precipitation on an exposed roof can lead to severe damage. Maintain a system to monitor weather conditions and anticipate changes to protect the client’s home.
- Establish Roof Protection Protocols: Ensure that all exposed roof areas are thoroughly protected before precipitation and secured against wind while work is ongoing.
- Secure Exposed Areas Overnight: Before leaving a job site for the evening, make sure all exposed roof areas are adequately covered and protected from the elements.
Employee Training and Safety Measures
To mitigate risks associated with roofing work and hot work, consider these practices:
- Invest in Employee Training and Quality Control: Proper training and rigorous quality checks are crucial. Inadequate application or overlooked quality checks can lead to significant issues.
- Follow Best Practices for Hot Work: Due to difficulties in securing insurance for commercial hot work, adhering to best practices is essential. This reduces the risk of accidental fires.
- Ensure Proper Training for Hot Work: All individuals performing hot work should have sufficient training and experience. Implement thorough hiring practices to prevent potential issues.
- Prohibit Smoking on Job Sites: Do not allow smoking in the vicinity of the job site to minimize fire hazards.
- Monitor Hot Bitumen Kettles: If using a hot bitumen kettle, ensure continuous monitoring by someone knowledgeable in its operation and trained in using the correct portable fire extinguisher.
- Manage Mops and Combustibles: Never leave mops used for liquid asphalt unattended on the roof as they may spontaneously combust. Remove and isolate them from other combustibles.
- Exercise Caution Around Exhaust Vents: Be cautious of exhaust vents where open flames could ignite grease and lint. Clean such accumulations before starting work and ensure air conditioning units and ventilating fans are shut down.
- Implement a Post-Work Fire Watch: After application, a minimum 2-hour post-work fire watch should be in place and documented to ensure safety.
- Adhere to Fire Codes and Insurance Policies: Familiarize yourself with and comply with all stipulations in the provincial fire code and your insurance policy’s Hot Work Warranty.
- Verify Subcontractor Insurance: Ensure subcontractors have sufficient insurance. Claims related to subcontractor work may affect your policy and insurance rates.
Action Steps
To ensure your business has the appropriate roofing contractor’s insurance, consult with an experienced insurance broker. They will guide you through the complexities of coverage options and help you find the most cost-effective solutions tailored to your specific needs. By taking action now, you can avoid exposing your business to unnecessary risks. Therefore, contact your broker today to review your insurance coverage and make informed decisions that will protect both your business and your reputation.
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